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Consumer Credit Act 1974: Primary legislation governing consumer credit agreements in England and Wales. Crucial if the borrower is a consumer rather than a business entity.

Financial Services and Markets Act 2000: Fundamental legislation establishing the regulatory framework for financial services in the UK, including lending activities.

Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, particularly relevant for standardized loan agreements.

Consumer Rights Act 2015: Key legislation protecting consumer rights, particularly relevant if the loan agreement involves consumer lending.

FCA Handbook (CONC): Regulatory sourcebook containing detailed rules and guidance for consumer credit activities regulated by the Financial Conduct Authority.

UK Money Laundering Regulations 2017: Regulations requiring lenders to implement measures to prevent money laundering and terrorist financing.

LIBOR Transition Regulations: Regulations governing the transition from LIBOR to SONIA as the primary interest rate benchmark in the UK.

Contracts (Rights of Third Parties) Act 1999: Legislation governing how third parties may enforce terms of a contract to which they are not directly party.

Misrepresentation Act 1967: Legislation dealing with false statements made during contract formation that induce parties to enter into agreements.

Law of Property Act 1925: Fundamental property law legislation, particularly relevant if the loan agreement involves any form of security over real property.

Insolvency Act 1986: Legislation governing insolvency proceedings and creditors' rights in case of borrower default or bankruptcy.

Companies Act 2006: Primary legislation governing company law in the UK, relevant when the borrower is a corporate entity.

UK GDPR and Data Protection Act 2018: Post-Brexit data protection legislation governing how personal data must be handled and protected.

UK Sanctions and Anti-Money Laundering Act 2018: Framework for UK sanctions and anti-money laundering measures post-Brexit.

Common Law Principles of Contract: Fundamental principles developed through case law governing contract formation, interpretation, and enforcement.

Equitable Principles: Legal principles developed by courts of equity, including concepts like unconscionability and good faith.

Banking Code of Practice: Industry standards and best practices for banking operations and customer treatment.

FCA Treating Customers Fairly Principles: Regulatory principles requiring financial institutions to ensure fair treatment of customers throughout their dealings.